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What does multi-peril crop insurance do for me?

Multi-Peril Crop Insurance (MPCI) offers several benefits:

  • Protection Against Losses: MPCI safeguards you from production and revenue losses due to various perils like weather events, pests, and diseases that can harm your crops.

  • Credit Enhancement: MPCI can strengthen your credit profile when applying for agricultural loans, as it assures lenders that your crops are protected against unforeseen events.

  • Peace of Mind: Having MPCI provides peace of mind, knowing that your hard work and investments are safeguarded, even in challenging conditions.

Connect with us to customize an MPCI policy that meets your specific requirements!

How does revenue protection crop insurance work?

  1. What's Revenue Protection Crop Insurance?: It shields farmers from income loss due to yield reduction or price decline for insured crops.

  2. How Does It Work?: RP insurance guarantees revenue based on yield and price projections. Compensation is given if actual revenue falls below this due to yield or price changes.

  3. What's Covered?: RP insurance addresses revenue loss from yield or price changes, offering stable income during challenges.

  4. Price Determination: Projected and harvest prices come from commodity futures contracts and impact compensation calculations.

  5. Role of APH Data: Actual Production History (APH) data, reflecting historical yields, helps set expected yield and revenue guarantee.

  6. Coverage Choices: Farmers can choose coverage levels from 50% to 85% or more, balancing protection and costs.

  7. Claim Process: Submit actual yield and harvest price data to compare actual and guaranteed revenue for compensation.

  8. Crops Covered: RP insurance applies to various crops, though availability may vary by location and type.

  9. Combining Coverage: Farmers can combine RP insurance with other options for a comprehensive risk strategy.

Understanding the specifics empowers farmers to tailor RP Crop Insurance to their needs. Consulting an agent helps make informed decisions.

What actions do I need to take after my crop is destroyed or harmed?

Actions to Take After Crop Damage:

  1. Contact Your Crop Insurance Agent: Reach out to your crop insurance agent immediately after your crop is harmed or destroyed. It's important to follow up in writing and keep a copy for your records.

  2. Arrange for Inspection: Your crop insurance company will send a loss adjuster to inspect your crop. Initiate this process by contacting your agent. You are responsible for initiating the inspection.

  3. Claim Eligibility: If crop damage affects your yield or crop value, you might be eligible to file a claim. Notify your agent within 72 hours of discovering the damage. The loss adjuster will assess whether your yield or revenue falls below the policy's guarantee.

  4. Replant or Switch Crops: If you can still replant, switch crops, or have reasons to destroy the crop (e.g., planting a cover crop), inform your agent immediately. The crop insurance company must inspect and release the acres before you take any action.

  5. Ongoing Crop Care: If your crop is damaged but you intend to harvest it, continue caring for it until harvest or until the insurance company appraises the crop and releases the acreage.

  6. Contact for Future Damage: If new damage occurs later in the growing season, like a hurricane or severe drought, and you intend to harvest the crop, notify your agent within 72 hours.

  7. Guidance for Destruction: Do not destroy your crop or representative samples without clear direction from your insurance company, preferably in writing.


Remember, it's crucial to promptly notify your crop insurance agent, follow their guidance, and keep communication records. This ensures that you follow the correct procedures and increase the likelihood of a successful claim if eligible.

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